WO2017067381A1 - 一种支付方法、终端及支付服务器 - Google Patents

一种支付方法、终端及支付服务器 Download PDF

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Publication number
WO2017067381A1
WO2017067381A1 PCT/CN2016/101182 CN2016101182W WO2017067381A1 WO 2017067381 A1 WO2017067381 A1 WO 2017067381A1 CN 2016101182 W CN2016101182 W CN 2016101182W WO 2017067381 A1 WO2017067381 A1 WO 2017067381A1
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Prior art keywords
payment
eye
eye pattern
pattern feature
user
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PCT/CN2016/101182
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English (en)
French (fr)
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沙爽
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中兴通讯股份有限公司
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Publication of WO2017067381A1 publication Critical patent/WO2017067381A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the embodiments of the present invention relate to the field of communications, and in particular, to a payment method, a terminal, and a payment server.
  • TEE Trusted Execution Environment
  • the Trusted Execution Environment can separate the operation of insecure components from the operation of security components. Attacks executed in the main operating system or applications running in the main operating system cannot reach the TEE. Protected software and data, so you can fully protect high-security applications (such as: finance, payments, enterprise applications, etc.).
  • fingerprint recognition alternative passwords based on the mobile phone TEE environment, can provide fingerprint security management, encryption, verification, storage and operating environment. Therefore, TEE-based fingerprint recognition can not only promote the application of biometric sensors on smart terminals, but also provide more convenient and reliable security services for service providers and consumers.
  • fingerprint recognition The most common biometric technology associated with mobile payments is fingerprint recognition.
  • fingerprint recognition There are several major security flaws in fingerprint identification: it is impossible to identify the living body, it is easy to be copied, and the fingerprint model is easy to obtain on common objects such as touch screens and microphones; if the wet hands cannot be operated, the water on the fingers is not dried, Identification.
  • the technical problem to be solved by the embodiments of the present invention is to provide a payment method, a terminal, and a payment server to compensate for the shortage of fingerprint payment, and also to replace the fingerprint payment as a new payment method.
  • an embodiment of the present invention provides a payment method, including:
  • the eye pattern feature picture or video After receiving the instruction to pay using the eye pattern after logging in to the payment account, collecting the current user's The eye pattern feature picture or video extracts the current user's eye pattern feature template from the collected eye pattern picture or video;
  • the performing the payment processing includes:
  • the foregoing method further has the following feature: before receiving the instruction for using the eye pattern to pay, the method further includes:
  • the payment account is associated with the eyeprint feature identifier, and the registration request is sent to the eyeprint payment server, and the associated information of the payment account and the eyeprint feature identifier is carried.
  • the foregoing method further has the following feature: the saving the eyeprint feature template of the legal user and the corresponding eyeprint feature identifier, including:
  • the eye user feature template of the legal user and the corresponding eye pattern feature identifier are saved in a trusted execution environment TEE or a security unit.
  • the foregoing method further has the following features:
  • the current user's eye pattern feature template extracted from the current user's eye pattern feature picture or video is collected, and compared with the eye pattern feature template corresponding to the payment account, if the comparison is consistent, the payment is made to the payment.
  • the server sends an eyeprint payment cancellation request message.
  • an embodiment of the present invention further provides a terminal, including:
  • the collecting module is configured to collect an eye shadow feature picture or video of the current user when the user pays an instruction to pay by using the eye pattern, and is configured to extract the eye of the current user from the collected eye pattern image or video.
  • Pattern feature template
  • the verification module is configured to compare the eye pattern feature template of the current user with the pre-stored eye pattern feature template corresponding to the payment account, and verify the identity of the user according to the comparison result;
  • the payment module is configured to perform payment processing if the verification module passes the verification.
  • the terminal further has the following feature: the payment module: performing payment processing includes: sending a payment account verification request to the payment server; receiving the payment account verification response message returned by the payment server, and verifying according to the payment account
  • the eye pattern feature identifier carried in the response message is locally extracted from the corresponding eye user feature template of the legal user; and the extracted eye user feature template of the legal user is compared with the current user's eye pattern feature template, if consistent, Then, a payment request is sent to the payment server.
  • the foregoing terminal further has the following features: further comprising a storage module and a registration module.
  • the collection module is further configured to collect an eye-pattern feature image or video of a legal user, extract an eye-pattern feature template of the legal user, and generate a corresponding eye-pattern feature identifier according to the eye-pattern feature template of the legal user;
  • the storage module is configured to save an eye-pattern feature template of the legal user and a corresponding eye-pattern feature identifier
  • the registration module is configured to associate the payment account with the eye pattern feature identifier, and send a registration request to the payment server, and carry the association information of the payment account and the eye pattern feature identifier.
  • the foregoing terminal further has the following features:
  • the storage module saves the eye user feature template of the legal user and its corresponding eye pattern feature identifier in a trusted execution environment TEE or SE.
  • the foregoing terminal further has the following features:
  • the cancellation module After the cancellation module receives the instruction to cancel the eyeprint payment, the eyeprint feature identifier and the eyeprint feature template corresponding to the payment account are read; and the current user's eyeprint feature image or video is collected from the current user.
  • the current user's eye pattern feature template is compared with the eye pattern feature template corresponding to the payment account, and if the comparison is consistent, the eye print payment cancellation request is applied to the payment server.
  • the embodiment of the present invention further provides a payment method, which is applied to a payment server, and includes:
  • the payment service After receiving the payment request, the payment service is processed.
  • the foregoing method further has the following features:
  • the eyeprint feature identifier corresponding to the specified payment account is deleted.
  • an embodiment of the present invention further provides a payment server, including:
  • the storage module is configured to: after receiving the registration request message, extract the association information of the payment account carried by the registration request and the corresponding eye pattern feature identifier for storage;
  • the verification module is configured to: after receiving the payment account verification request message, obtain the corresponding eye pattern feature identifier according to the payment account carried in the payment account verification request message, in the payment account The eyelash feature identifier is carried in the verification response message;
  • the payment module is configured to perform payment service processing after receiving the payment request.
  • the foregoing payment server further includes:
  • the logout module is configured to delete the eyeprint feature identifier corresponding to the specified payment account after receiving the eyeprint payment cancellation request message.
  • a computer storage medium is further provided, and the computer storage medium may store an execution instruction for executing the payment method in the above embodiment.
  • the embodiments of the present invention provide a payment method, a terminal, and a payment server to compensate for the shortage of fingerprint payment, and can also replace fingerprint payment as a new payment method.
  • FIG. 1 is a schematic diagram of a terminal according to an embodiment of the present invention.
  • FIG. 2 is a schematic diagram of an eye patch payment server according to an embodiment of the present invention.
  • FIG. 3 is a flowchart of a method for registering an eye patch payment according to an embodiment of the present invention
  • FIG. 4 is a flowchart of a method for eye patch payment according to an embodiment of the present invention.
  • FIG. 5 is a flowchart of a method for canceling an eyeprint payment according to an embodiment of the present invention.
  • eye pattern recognition technology can solve the problem of living body recognition and it is difficult to be copied. Applying it to the mobile payment scenario, it is both secure and convenient and concealed, can make up for the lack of fingerprint payment, and can also replace the fingerprint as a new payment method.
  • the device includes an eye patch recognition payment terminal and a payment server.
  • the eyeprint recognition payment terminal device of the embodiment of the invention comprises four parts, namely an eye pattern feature collection system, an eye pattern feature storage system, an eye pattern feature inspection system A, and a payment service system C.
  • the eyeprint payment server device of the embodiment includes an eye pattern feature identification ID storage module, an eye pattern inspection system R, and a payment service system S.
  • FIG. 1 is a schematic diagram of a terminal according to an embodiment of the present invention. As shown in FIG. 1 , the terminal in this embodiment includes:
  • the collecting module is configured to collect an eye shadow feature picture or video of the current user when the user pays an instruction to pay by using the eye pattern, and is configured to extract the eye of the current user from the collected eye pattern image or video.
  • Pattern feature template
  • the verification module is configured to compare the eye pattern feature template of the current user with the pre-stored eye pattern feature template corresponding to the payment account, and verify the identity of the user according to the comparison result. It is responsible for judging whether the current user of the payment scenario is legal, and checking whether the data read from the eyeprint feature storage system has been tampered with.
  • the payment module is configured to perform payment processing if the verification module passes the verification. Responsible for processing business processes between the payment client and the server, combined with the inspection of the eye pattern information.
  • the acquisition module can use the camera device on the terminal to record the eye pattern of the legal user; in the scene using the eye pattern, such as payment, use the Camera to obtain the current user's eye pattern feature, so as to check the eye pattern feature.
  • the module determines if it is a legitimate payment user identity.
  • the payment module may perform: the payment processing may be: sending a payment account verification request to the payment server; and receiving the payment account verification response message returned by the payment server, the eye mark feature identifier carried according to the payment account verification response message is locally And extracting the eye pattern feature template of the corresponding legal user; comparing the extracted eye pattern feature template of the legal user with the eye pattern feature template of the current user, and if yes, performing payment.
  • the payment processing may be: sending a payment account verification request to the payment server; and receiving the payment account verification response message returned by the payment server, the eye mark feature identifier carried according to the payment account verification response message is locally And extracting the eye pattern feature template of the corresponding legal user; comparing the extracted eye pattern feature template of the legal user with the eye pattern feature template of the current user, and if yes, performing payment.
  • the terminal in this embodiment further includes: a storage module and a registration module,
  • the storage module is configured to save the eyeprint feature template of the legal user and the corresponding eyeprint feature identifier; and save the eyeprint feature template of the legal user and the corresponding eyeprint feature identifier in a trusted execution environment.
  • TEE or SE security unit
  • the registration module is configured to start a payment application, and the payment account and the eye pattern feature The identifier is associated, and the registration request is sent to the payment server, and the association information of the payment account and the eye pattern feature identifier is carried.
  • the terminal of the embodiment does not store the original picture of the eye pattern, and only saves the eye pattern feature template extracted from the original picture/video of the eye pattern, and the eye pattern template cannot reversely push the original picture of the eye pattern.
  • the eye pattern is stored in TEE or SE (Security Unit) and stored in encrypted form.
  • the cancellation module After the cancellation module receives the instruction to cancel the eyeprint payment, the eyeprint feature identifier and the eyeprint feature template corresponding to the payment account are read; and the current user's eyeprint feature image or video is collected from the current user.
  • the current user's eye pattern feature template is compared with the eye pattern feature template corresponding to the payment account, and if the comparison is consistent, the eye print payment cancellation request is applied to the payment server.
  • the terminal of the embodiment of the present invention must also have a Camera device for collecting feature information of the eye pattern recognition as the identity of the payment system.
  • the eyeprint payment server of this embodiment includes:
  • the storage module is configured to: after receiving the registration request message, extract the associated information of the payment account carried by the registration request and the corresponding eye pattern feature identifier, and store the user's eye pattern feature ID on the server, and the eye pattern feature ID is the only corresponding relationship in the eye pattern feature template;
  • the verification module is configured to: after receiving the payment account verification request message, obtain the corresponding eyeprint feature ID according to the payment account carried in the payment account verification request message, and carry the eyeprint feature ID in the payment account verification response message;
  • the payment module is configured to, after receiving the payment request, check the situation in combination with the eye pattern characteristic information, and perform payment service processing.
  • FIG. 3 is a flowchart of a method for registering an eye patch payment according to an embodiment of the present invention. As shown in FIG. 3, the method in this embodiment includes:
  • Step 11 The payment terminal records the original picture or video of the legal user's eye pattern, extracts the eye pattern feature template, and generates an eye pattern feature ID according to the eye pattern template.
  • the original camera image of the legal user's eye pattern is recorded by using the Camera camera device on the terminal, and only the eye pattern feature template extracted from the original image/video of the eye pattern is saved, and the eye pattern template cannot reversely push the original image of the eye pattern. .
  • Step 12 save the eye pattern feature template and the eye pattern feature ID
  • the eye pattern feature template and the eye pattern feature ID are saved in the eye pattern feature storage system of the eye pattern recognition payment terminal, and the save can be stored in the TEE or SE and encrypted.
  • Step 13 Log in the payment account, associate the payment account with the eyeprint feature ID of the user, and then upload the association information of the payment account and the eyeprint feature ID to the eyeprint payment server.
  • the eye pattern recognition payment client On the eye pattern recognition payment client, start the payment type App (application), log in the payment account, associate it with the user's eye pattern feature ID, and upload the information related to the payment account and the eye pattern feature ID to the eyeprint payment server.
  • the eye pattern feature identifies the ID storage system and completes the registration process for the eye patch payment.
  • FIG. 4 is a flowchart of a method for paying an eye patch according to an embodiment of the present invention. As shown in FIG. 4, the method in this embodiment includes:
  • Step 21 Obtain an eyeprint feature template of the current user.
  • the user opens the payment application, and selects to pay with the eye pattern for a certain payment item; the payment terminal starts the Camera camera to capture the current user's eye pattern picture/video, and extracts the current user's eye pattern feature. template.
  • Step 22 comparing the eye pattern feature template of the current user with the eye pattern feature template corresponding to the registered payment account, and verifying the identity of the user according to the comparison result;
  • Step 23 Extracting the eyeprint feature template of the legal user from the eyeprint feature storage system by using the eyeprint feature ID registered by the payment App account, and comparing the current user eyeprint feature template with the legal user, if the comparison result is consistent, then Step 23: Enter the specific payment process of the payment service system C; if the comparison result is inconsistent, the business process of the payment APP is interrupted, indicating that the payment is not Legal user.
  • Step 23 The payment terminal performs payment processing.
  • the payment service system C of the eyeprint recognition payment terminal sends a payment account verification request to the payment service system S of the eye patch payment server, and the payment service system S obtains the eyeprint feature identification ID storage system according to the payment account in the request.
  • the payment service system S fills the eyeprint feature ID in the payment account verification response, returns to the payment service system C, and the payment service system C receives the eyeprint feature ID from the local eyeprint feature according to the server.
  • the eye user feature template of the legitimate user is extracted, and compared with the captured current user eye pattern feature template, and if they are consistent, the payment is made.
  • FIG. 5 is a flowchart of a method for canceling an eyeprint payment according to an embodiment of the present invention. As shown in FIG. 5, the method in this embodiment includes the following steps:
  • Step 31 After receiving the instruction to cancel the eye patch payment, the payment terminal reads the eye pattern feature ID and the eye pattern feature template corresponding to the payment account.
  • Step 32 The payment terminal opens the Camera camera device to record the original picture/video of the current user's eye pattern, and extracts the eye pattern feature template;
  • Step 33 Comparing the two eye pattern templates of step 31 and step 32, if the comparison result is consistent, the payment service system C of the eye pattern recognition payment client applies for the eyeprint payment cancellation to the eyeprint payment server; the payment service system S After receiving the request, the corresponding data in the server eye pattern identification ID storage system is deleted, and the logout process of the eyeprint payment is completed; if the comparison is inconsistent, the logout failure is prompted.
  • the eyeprint payment method in this embodiment is a type of payment method of the smart terminal.
  • the payment mode can be selected by the user.
  • the authentication process of the server the request for eye mark recognition is extended to the instruction of interaction between the smart payment terminal and the server, and the eyelash feature is checked to determine whether the payment service process is legal.
  • the payment method of the embodiment of the present invention can replace the fingerprint payment by the combination of the eye pattern recognition and the mobile payment, thereby avoiding the defect of the fingerprint payment.
  • the user In the application of the mobile payment APP, the user is provided with this mode of operation of eye care payment.
  • To use the eyeprint to identify the payment on the smart device it is necessary to first collect the eyeprint feature template of the legitimate user through the Camera, use the template to generate a unique identification ID, and bind the payment account to the eyeprint feature identification ID, and subsequently perform the account.
  • the user uses the payment app application to start the camera to capture the current user's eye pattern feature by the eye pattern feature collection system, and compare it with the eye pattern feature template bound to the previous payment account.
  • the signaling interaction with the payment server is performed.
  • the payment server returns the ID of the eye pattern feature saved on the other side to the payment client, performs the identity verification again, and completes the payment process.
  • the mobile payment system will not perform payment operations with any illegal users, and also provide users with a convenient payment method to further improve mobile payment protection and secure communication.
  • the user can use the home computer, the camera of the office computer and the eyelet feature extraction algorithm plug-in/application to complete the function of analyzing and extracting the eye pattern.
  • the eye pattern feature data can then be transmitted to the mobile payment terminal via a dedicated tool.
  • the mobile payment terminal can complete the binding of the eyeprint feature data and the payment account by using the payment app, and is responsible for uploading the mapping relationship between the account and the eyeprint to the payment server.
  • the eye pattern recognition feature data can be saved in the hardware chip, such as eSE (electronic security unit), encrypted T card, and encrypted storage protection through a common chip interface. ;
  • the eyeprint recognition payment system proposed in the embodiment of the present invention can be combined with fingerprint payment as a supplement and enhancement of the fingerprint technology, in addition to completely replacing the fingerprint payment:
  • fingerprint payment can be started at the same time, and Camera can perform eye patch verification immediately. If the verification fails, the fingerprint cannot be paid even if the fingerprint is correct.
  • the eyeprint identification check is added to the mobile payment terminal and the payment server, and the eye pattern and the fingerprint are required to pass the verification before the payment is allowed.
  • the emergence of eye pattern recognition technology can solve the problem of living body recognition and it is difficult to be copied.
  • the method of the embodiment of the invention applies the eye pattern feature recognition to the mobile payment scenario, which has the security, the convenience and the concealment, can make up for the deficiency of the fingerprint payment, and can also replace the fingerprint payment as a new payment method.
  • Embodiments of the present invention also provide a storage medium.
  • the foregoing storage medium may be configured to store program code for performing the following steps:
  • the storage medium is further arranged to store program code for performing the following steps:
  • the foregoing storage medium may include, but not limited to, a USB flash drive, a Read-Only Memory (ROM), a Random Access Memory (RAM), a mobile hard disk, and a magnetic memory.
  • ROM Read-Only Memory
  • RAM Random Access Memory
  • a mobile hard disk e.g., a hard disk
  • magnetic memory e.g., a hard disk
  • the application of the eye pattern feature recognition in the mobile payment scenario has the advantages of security, convenience, and concealment, can make up for the deficiency of fingerprint payment, and can also replace the fingerprint payment as a new payment method.

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Abstract

一种支付方法、终端及支付服务器，该方法包括：登录支付账号后接收到使用眼纹进行支付的指令时，采集当前用户的眼纹特征图片或视频，从所采集的眼纹特征图片或视频中提取出当前用户的眼纹特征模板；将所述当前用户的眼纹特征模板与预存的所述支付账号对应的眼纹特征模板进行对比，根据对比结果对用户的身份进行验证；若验证通过，则进行支付处理。可以弥补指纹支付的不足，也可以作为全新的支付方式替代指纹支付。

Description

一种支付方法、终端及支付服务器 技术领域
本发明实施例涉及通信领域，特别是涉及一种支付方法、终端及支付服务器。
背景技术
随着移动支付的快速发展和普及，支付应用开始成为攻击目标，木马病毒、钓鱼连接等恶意攻击手段会造成支付账号或密码被盗、资金损失以及隐私信息泄露等恶劣影响。可信执行环境(Trusted Execution Environment，简称TEE)可以将不安全部件的运行与安全部件的运行分离开来，在主操作系统中执行的攻击或在主操作系统中运行的应用无法抵达TEE中受保护的软件和数据，因此可以全面保护高安全的应用(如：金融、支付、企业应用等)。另外，随着指纹识别技术在智能终端上的广泛应用，指纹识别替代密码，基于手机TEE环境，可提供指纹安全的管理、加密、验证、存储和运行环境。因此，基于TEE的指纹识别，既可以有助于推动生物识别传感器在智能终端上的应用，又可以对服务供应商和消费者提供更加便利和可靠的安全服务。
相关与移动支付结合最为普遍的生物识别技术是指纹识别。指纹识别其实存在几个主要的安全缺陷：无法识别活体、易被复制，触摸屏、话筒等常用物体上都极易获取指纹模型；湿手无法操作，手指上的水未擦干的情况下，无法识别。
发明内容
本发明实施例要解决的技术问题是提供一种支付方法、终端及支付服务器，以弥补指纹支付的不足，也可以作为全新的支付方式替代指纹支付。
为了解决上述技术问题，本发明实施例提供了一种支付方法，包括：
登录支付账号后接收到使用眼纹进行支付的指令时，采集当前用户的 眼纹特征图片或视频，从所采集的眼纹特征图片或视频中提取出当前用户的眼纹特征模板；
将所述当前用户的眼纹特征模板与预存的所述支付账号对应的眼纹特征模板进行对比，根据对比结果对用户的身份进行验证；
若验证通过，则进行支付处理。
可选地，上述方法还具有下面特点：所述进行支付处理包括：
向支付服务器发送支付账户验证请求；
接收所述支付服务器返回的支付账户验证响应消息后，根据所述支付账户验证响应消息携带的眼纹特征标识从本地提取出对应的合法用户的眼纹特征模板；
将该提取出的合法用户的眼纹特征模板与所述当前用户的眼纹特征模板进行对比，如一致，则向所述支付服务器发送支付请求。
可选地，上述方法还具有下面特点：所述接收到使用眼纹进行支付的指令之前，还包括：
采集合法用户的眼纹特征图片或视频，提取出所述合法用户的眼纹特征模板，并根据所述合法用户的眼纹特征模板生成对应的眼纹特征标识；
保存所述合法用户的眼纹特征模板及其对应的眼纹特征标识；
启动支付应用后，将支付账号与所述眼纹特征标识进行关联，向眼纹支付服务器发送注册请求，携带所述支付账号与所述眼纹特征标识的关联信息。
可选地，上述方法还具有下面特点：所述保存所述合法用户的眼纹特征模板及其对应的眼纹特征标识，包括：
将所述合法用户的眼纹特征模板及其对应的眼纹特征标识保存在可信执行环境TEE或者安全单元里。
可选地，上述方法还具有下面特点：还包括：
接收到取消眼纹支付的指令后，读取所述支付账号对应的眼纹特征标 识和眼纹特征模板；
将从采集当前用户采集当前用户的眼纹特征图片或视频中提取出的当前用户的眼纹特征模板，与所述支付账号对应的眼纹特征模板进行对比，如对比一致，则向所述支付服务器发送眼纹支付注销请求消息。
为了解决上述问题，本发明实施例还提供了一种终端，其中，包括：
采集模块，设置为登录支付账号后接收到使用眼纹进行支付的指令时，采集当前用户的眼纹特征图片或视频，用于从所采集的眼纹特征图片或视频中提取出当前用户的眼纹特征模板；
验证模块，设置为将所述当前用户的眼纹特征模板与预存的所述支付账号对应的眼纹特征模板进行对比，根据对比结果对用户的身份进行验证；
支付模块，设置为若所述验证模块验证通过，则进行支付处理。
可选地，上述终端还具有下面特点：所述支付模块，进行支付处理包括：向支付服务器发送支付账户验证请求；接收所述支付服务器返回的支付账户验证响应消息后，根据所述支付账户验证响应消息携带的眼纹特征标识从本地提取出对应的合法用户的眼纹特征模板；将该提取出的合法用户的眼纹特征模板与所述当前用户的眼纹特征模板进行对比，如一致，则向所述支付服务器发送支付请求。
可选地，上述终端还具有下面特点：还包括存储模块和注册模块，
所述采集模块，还设置为采集合法用户的眼纹特征图片或视频，提取出所述合法用户的眼纹特征模板，并根据所述合法用户的眼纹特征模板生成对应的眼纹特征标识；
所述存储模块，设置为保存所述合法用户的眼纹特征模板及其对应的眼纹特征标识；
所述注册模块，设置为启动支付应用后，将支付账号与所述眼纹特征标识进行关联，向所述支付服务器发送注册请求，携带所述支付账户与所述眼纹特征标识的关联信息。
可选地，上述终端还具有下面特点：
所述存储模块，将所述合法用户的眼纹特征模板及其对应的眼纹特征标识保存在可信执行环境TEE或者SE里。
可选地，上述终端还具有下面特点：还包括，
注销模块，接收到取消眼纹支付的指令后，读取所述支付账号对应的眼纹特征标识和眼纹特征模板；将从采集当前用户采集当前用户的眼纹特征图片或视频中提取出的当前用户的眼纹特征模板，与所述支付账号对应的眼纹特征模板进行对比，如对比一致，则向所述支付服务器申请眼纹支付注销请求。
为了解决上述问题，本发明实施例还提供了一种支付方法，应用于支付服务器，包括：
接收到注册请求消息后，提取出所述注册请求携带的支付账号与对应眼纹特征标识的关联信息进行存储；
接收到支付账户验证请求消息后，根据所述支付账户验证请求消息携带的支付账号获取到对应的眼纹特征标识，在支付账户验证响应消息中携带该眼纹特征标识；
接收到支付请求后，进行支付业务处理。
可选地，上述方法还具有下面特点：还包括：
接收到眼纹支付注销请求消息后，删除指定支付账号对应的眼纹特征标识。
为了解决上述问题，本发明实施例还提供了一种支付服务器，其中，包括：
存储模块，设置为接收到注册请求消息后，提取出所述注册请求携带的支付账号与对应眼纹特征标识的关联信息进行存储；
验证模块，设置为接收到支付账户验证请求消息后，根据所述支付账户验证请求消息携带的支付账号获取到对应的眼纹特征标识，在支付账户 验证响应消息中携带该眼纹特征标识；
支付模块，设置为接收到支付请求后，进行支付业务处理。
可选地，上述支付服务器还包括：
注销模块，设置为接收到眼纹支付注销请求消息后，删除指定支付账号对应的眼纹特征标识。
在本发明实施例中，还提供了一种计算机存储介质，该计算机存储介质可以存储有执行指令，该执行指令用于执行上述实施例中的支付方法。
综上，本发明实施例提供一种支付方法、终端及支付服务器，以弥补指纹支付的不足，也可以作为全新的支付方式替代指纹支付。
附图说明
图1为本发明实施例的终端的示意图；
图2为本发明实施例的眼纹支付服务器的示意图；
图3为本发明实施例的眼纹支付注册的方法的流程图；
图4为本发明实施例的眼纹支付的方法的流程图；
图5为本发明实施例的眼纹支付注销的方法的流程图。
具体实施方式
为使本发明的目的、技术方案和优点更加清楚明白，下文中将结合附图对本发明的实施例进行详细说明。需要说明的是，在不冲突的情况下，本申请中的实施例及实施例中的特征可以相互任意组合。
眼纹特征识别技术的出现，既可以解决活体识别的问题，也很难被复制。将其应用在移动支付的场景，既具备安全性也具备便捷性和隐蔽性，可以弥补指纹支付的不足，也可以作为全新的支付方式替代指纹。
本发明实施例涉及的装置包括眼纹识别支付终端和支付服务器。本发明实施例的眼纹识别支付终端装置由四部分组成，分别为眼纹特征采集系统、眼纹特征存储系统、眼纹特征检验系统A、支付业务系统C。本发明 实施例的眼纹支付服务器装置包括：眼纹特征标识ID存储模块、眼纹特征检验系统R、支付业务系统S。
图1为本发明实施例的终端的示意图，如图1所示，本实施例的终端包括：
采集模块，设置为登录支付账号后接收到使用眼纹进行支付的指令时，采集当前用户的眼纹特征图片或视频，用于从所采集的眼纹特征图片或视频中提取出当前用户的眼纹特征模板；
验证模块，设置为将所述当前用户的眼纹特征模板与预存的所述支付账号对应的眼纹特征模板进行对比，根据对比结果对用户的身份进行验证。负责判断支付场景当前用户是否合法，以及检验从眼纹特征存储系统读出的数据是否被篡改。
支付模块，设置为若所述验证模块验证通过，则进行支付处理。负责在支付客户端和服务器之间，结合眼纹特征信息检验情况，来处理业务流程。
其中，所述采集模块可以利用终端上的摄像头(Camera)装置，录制合法用户的眼纹模板；在使用眼纹的场景，如支付，利用Camera获取当前用户的眼纹特征，以便眼纹特征检验模块判定是否为合法支付用户身份。
所述支付模块，进行支付处理可以包括：向支付服务器发送支付账户验证请求；接收所述支付服务器返回的支付账户验证响应消息后，根据所述支付账户验证响应消息携带的眼纹特征标识从本地提取出对应的合法用户的眼纹特征模板；将该提取出的合法用户的眼纹特征模板与所述当前用户的眼纹特征模板进行对比，如一致，则进行支付。
本实施例终端还包括：存储模块和注册模块，
所述存储模块，设置为保存所述合法用户的眼纹特征模板及其对应的眼纹特征标识；将所述合法用户的眼纹特征模板及其对应的眼纹特征标识保存在可信执行环境TEE或者SE(安全单元)里。
所述注册模块，设置为启动支付应用后，将支付账号与所述眼纹特征 标识进行关联，向所述支付服务器发送注册请求，携带所述支付账户与所述眼纹特征标识的关联信息。
本实施例的终端不存储眼纹的原始图片，只保存从眼纹原始图片/视频中提取的眼纹特征模板，眼纹模板不能逆向推出眼纹的原始图片。眼纹保存在TEE或者SE(安全单元)里面，并加密保存。
本实施例的终端还包括，
注销模块，接收到取消眼纹支付的指令后，读取所述支付账号对应的眼纹特征标识和眼纹特征模板；将从采集当前用户采集当前用户的眼纹特征图片或视频中提取出的当前用户的眼纹特征模板，与所述支付账号对应的眼纹特征模板进行对比，如对比一致，则向所述支付服务器申请眼纹支付注销请求。
本发明实施例的终端除了手机必须的通讯、显示、音频等系统外，还必须具备Camera器件，用以采集眼纹识别的特征信息，作为支付系统的身份标识。
图2为本发明实施例的眼纹支付服务器的示意图，如图2所示，本实施例的眼纹支付服务器包括：
存储模块，设置为接收到注册请求消息后，提取出所述注册请求携带的支付账号与对应眼纹特征标识的关联信息进行存储，负责在服务器上保存用户的眼纹特征ID，此眼纹特征ID于眼纹特征模板是唯一对应的关系；
验证模块，设置为接收到支付账户验证请求消息后，根据所述支付账户验证请求消息携带的支付账号获取到对应的眼纹特征ID，在支付账户验证响应消息中携带该眼纹特征ID；
支付模块，设置为接收到支付请求后，结合眼纹特征信息检验情况，进行支付业务处理。
图3为本发明实施例的眼纹支付注册的方法的流程图，如图3所示，本实施例的方法包括：
步骤11：支付终端录制合法用户眼纹的原始图片或视频，提取出眼纹特征模板，并根据眼纹模板生成眼纹特征ID。
本实施例中，利用终端上的Camera摄像头装置，录制合法用户眼纹的原始图片，只保存从眼纹原始图片/视频中提取的眼纹特征模板，眼纹模板不能逆向推出眼纹的原始图片。
步骤12：保存眼纹特征模板和眼纹特征ID；
将眼纹特征模板和眼纹特征ID保存在眼纹识别支付终端的眼纹特征存储系统中，保存可以在TEE或者SE里面，并加密保存。
步骤13：登录支付账号，将支付账号与用户的眼纹特征ID进行关联，然后将支付账号与眼纹特征ID的关联信息上传到眼纹支付服务器。
在眼纹识别支付客户端上，启动支付类App(应用)，登录支付账号，将其与用户的眼纹特征ID关联；把支付账号和眼纹特征ID关联的信息上传到眼纹支付服务器的眼纹特征标识ID存储系统，完成眼纹支付的注册过程。
图4为本发明实施例的眼纹支付的方法的流程图，如图4所示，本实施例的方法包括：
步骤21：获取当前用户的眼纹特征模板；
在眼纹识别支付终端上，用户打开支付App，针对某一项付费项目，选择用眼纹支付；支付终端启动Camera摄像头捕捉当前用户的眼纹特征图片/视频，提取出当前用户的眼纹特征模板。
步骤22：将当前用户的眼纹特征模板与注册过的支付账号对应的眼纹特征模板进行对比，根据对比结果对用户的身份进行验证；
利用支付App账号注册过的眼纹特征ID从眼纹特征存储系统中，提取出合法用户的眼纹特征模板，将当前用户眼纹特征模板与合法用户的相对比，如果对比结果一致，则转步骤23，进入支付业务系统C的具体支付流程；如果对比结果不一致，则中断本次支付APP业务流程，提示非 法用户。
步骤23：支付终端进行支付处理。
本实施例中，眼纹识别支付终端的支付业务系统C向眼纹支付服务器的支付业务系统S发送支付账户验证请求，支付业务系统S根据请求中的支付账号从眼纹特征标识ID存储系统获取到其注册的眼纹特征ID，支付业务系统S将眼纹特征ID填写在支付账户验证响应中，返回支付业务系统C，支付业务系统C根据服务器返回的眼纹特征ID从本地的眼纹特征存储系统中，提取出合法用户的眼纹特征模板，与捕捉的当前用户眼纹特征模板对比，如果一致则进行支付。
图5为本发明实施例的眼纹支付注销的方法的流程图，如图5所示，本实施例的方法包括如下步骤：
步骤31：支付终端接收到取消眼纹支付的指令后，读取支付账号对应的眼纹特征ID以及眼纹特征模板；
步骤32：支付终端打开Camera摄像头装置录制当前用户眼纹的原始图片/视频，提取眼纹特征模板；
步骤33：将步骤31和步骤32的两个眼纹特征模板进行对比，如果对比结果一致，则眼纹识别支付客户端的支付业务系统C向眼纹支付服务器申请眼纹支付注销；支付业务系统S接收到请求后，将服务器眼纹特征标识ID存储系统中的相应数据删除，完成眼纹支付的注销过程；如果对比不一致，则提示注销失败。
本实施例中的眼纹支付方式是智能终端支付方式的一种，作为密码支付外的一种方式，可以由用户来选择支付方式。
本发明实施例的眼纹支付身份验证方法扩展了本地和服务器双重身份认证：
本地的认证过程：在启动支付App的服务器验证流程之前，先在本地进行身份校验；
服务器的认证过程：将眼纹识别的请求扩展到智能支付终端和服务器之间交互的指令中，通过校验眼纹特征来判断本次支付业务流程是否合法。
本发明实施例的支付方法通过眼纹识别与移动支付的结合，可以替代指纹支付，避免指纹支付的缺陷。
在移动支付APP的应用中，为用户提供眼纹支付的这种操作方式。要使用眼纹识别支付的智能装置上，需要先通过Camera采集支付合法用户的眼纹特征模板，利用该模板生成唯一的标识ID，将支付账号与眼纹特征标识ID绑定，后续该账户进行移动支付的时候，就可以采用眼纹识别这种方式。
用户使用支付App应用，在进行付款时，会先启动Camera由眼纹特征采集系统捕捉当前用户的眼纹特征，将其与之前支付账号绑定的眼纹特征模板进行对比，如果一致，则可以进行与支付服务器的信令交互，此时支付服务器会根据它那边保存的眼纹特征标识ID，回传给支付客户端，进行再次的身份验证，通过后，完成支付流程。
这样移动支付系统既不会与任意不合法的用户进行支付操作，也给用户一个很便捷的支付方式，让移动支付保护和安全通信更进一步。
本发明实施例中提出的眼纹识别特征的采集，可以通过两种方式来实现：
1、在移动终端设备上以app的形式来实现，这样通过终端上的Camera以及预置的眼纹特征提取算法，可以完成合法账号眼纹特征绑定的功能，并且这些特征相关的数据可以直接通过终端设备上的眼纹特征存储系统来保管，后续移动支付过程中的身份校验都可以在本终端上完成。
2、在PC设备上实现，用户可以利用家庭电脑、办公电脑的Camera以及安装眼纹特征提取算法插件/应用，来完成眼纹特征分析和提取的功能。然后，可通过专门的工具将眼纹特征数据传到移动支付终端上。移动支付终端可以通过支付App完成眼纹特征数据和支付账号的绑定，并且负责把账号和眼纹的映射关系上传到支付服务器。
本发明实施例中提出的眼纹识别特征的存储系在移动终端上可以通过两种方式来实现：
1、硬件芯片，对于安全级别要求比较高的系统，可以将眼纹识别特征数据保存在硬件芯片中，如eSE(电子的安全单元)、加密T卡，通过通用的芯片接口进行加密存储的保护；
2、软件存储，对于普通安全级别的系统，可以将眼纹识别特征数据保存在设备的TEE中加密保存。
本发明实施例中提出的眼纹识别支付系统，除了完全替代指纹支付，还可以与指纹支付相结合，作为指纹技术的补充和增强：
1、简单增强，在移动支付终端本地，进行指纹支付同时可启动Camera即时进行眼纹校验，如果校验不通过，则即使指纹正确也无法支付；
2、深入增强，在移动支付终端本地，以及与支付服务器之间都加入眼纹识别校验，需要眼纹和指纹都校验通过，才允许支付。
眼纹特征识别技术的出现，既可以解决活体识别的问题，也很难被复制。本发明实施例的方法将眼纹特征识别应用在移动支付的场景，既具备安全性也具备便捷性和隐蔽性，可以弥补指纹支付的不足，也可以作为全新的支付方式替代指纹支付。
本发明的实施例还提供了一种存储介质。可选地，在本实施例中，上述存储介质可以被设置为存储用于执行以下步骤的程序代码：
S1，登录支付账号后接收到使用眼纹进行支付的指令时，采集当前用户的眼纹特征图片或视频，从所采集的眼纹特征图片或视频中提取出当前用户的眼纹特征模板；
S2，将当前用户的眼纹特征模板与预存的支付账号对应的眼纹特征模板进行对比，根据对比结果对用户的身份进行验证；
S3，若验证通过，则进行支付处理。
可选地，存储介质还被设置为存储用于执行以下步骤的程序代码：
S1，向支付服务器发送支付账户验证请求；
S2，接收支付服务器返回的支付账户验证响应消息后，根据支付账户验证响应消息携带的眼纹特征标识从本地提取出对应的合法用户的眼纹特征模板；
S3，将该提取出的合法用户的眼纹特征模板与当前用户的眼纹特征模板进行对比，如一致，则向支付服务器发送支付请求。
可选地，在本实施例中，上述存储介质可以包括但不限于：U盘、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、移动硬盘、磁碟或者光盘等各种可以存储程序代码的介质。
可选地，本实施例中的具体示例可以参考上述实施例及可选实施方式中所描述的示例，本实施例在此不再赘述。
本领域普通技术人员可以理解上述方法中的全部或部分步骤可通过程序来指令相关硬件完成，所述程序可以存储于计算机可读存储介质中，如只读存储器、磁盘或光盘等。可选地，上述实施例的全部或部分步骤也可以使用一个或多个集成电路来实现。相应地，上述实施例中的各模块/单元可以采用硬件的形式实现，也可以采用软件功能模块的形式实现。本发明不限制于任何特定形式的硬件和软件的结合。
以上仅为本发明的优选实施例，当然，本发明还可有其他多种实施例，在不背离本发明精神及其实质的情况下，熟悉本领域的技术人员当可根据本发明作出各种相应的改变和变形，但这些相应的改变和变形都应属于本发明所附的权利要求的保护范围。
工业实用性
在本发明实施例中，将眼纹特征识别应用在移动支付的场景，既具备安全性也具备便捷性和隐蔽性，可以弥补指纹支付的不足，也可以作为全新的支付方式替代指纹支付。

Claims (14)

  1. 一种支付方法，包括：
    登录支付账号后接收到使用眼纹进行支付的指令时，采集当前用户的眼纹特征图片或视频，从所采集的眼纹特征图片或视频中提取出当前用户的眼纹特征模板；
    将所述当前用户的眼纹特征模板与预存的所述支付账号对应的眼纹特征模板进行对比，根据对比结果对用户的身份进行验证；
    若验证通过，则进行支付处理。
  2. 如权利要求1所述的方法，其中：所述进行支付处理包括：
    向支付服务器发送支付账户验证请求；
    接收所述支付服务器返回的支付账户验证响应消息后，根据所述支付账户验证响应消息携带的眼纹特征标识从本地提取出对应的合法用户的眼纹特征模板；
    将该提取出的合法用户的眼纹特征模板与所述当前用户的眼纹特征模板进行对比，如一致，则向所述支付服务器发送支付请求。
  3. 如权利要求1所述的方法，其中：所述接收到使用眼纹进行支付的指令之前，还包括：
    采集合法用户的眼纹特征图片或视频，提取出所述合法用户的眼纹特征模板，并根据所述合法用户的眼纹特征模板生成对应的眼纹特征标识；
    保存所述合法用户的眼纹特征模板及其对应的眼纹特征标识；
    启动支付应用后，将支付账号与所述眼纹特征标识进行关联，向眼纹支付服务器发送注册请求，携带所述支付账号与所述眼纹特征标 识的关联信息。
  4. 如权利要求1-3任一项所述的方法，其中：所述保存所述合法用户的眼纹特征模板及其对应的眼纹特征标识，包括：
    将所述合法用户的眼纹特征模板及其对应的眼纹特征标识保存在可信执行环境TEE或者安全单元里。
  5. 如权利要求4所述的方法，其中：还包括：
    接收到取消眼纹支付的指令后，读取所述支付账号对应的眼纹特征标识和眼纹特征模板；
    将从采集当前用户采集当前用户的眼纹特征图片或视频中提取出的当前用户的眼纹特征模板，与所述支付账号对应的眼纹特征模板进行对比，如对比一致，则向所述支付服务器发送眼纹支付注销请求消息。
  6. 一种终端，包括：
    采集模块，设置为登录支付账号后接收到使用眼纹进行支付的指令时，采集当前用户的眼纹特征图片或视频，用于从所采集的眼纹特征图片或视频中提取出当前用户的眼纹特征模板；
    验证模块，设置为将所述当前用户的眼纹特征模板与预存的所述支付账号对应的眼纹特征模板进行对比，根据对比结果对用户的身份进行验证；
    支付模块，设置为若所述验证模块验证通过，则进行支付处理。
  7. 如权利要求6所述的终端，其中：
    所述支付模块，进行支付处理包括：向支付服务器发送支付账户 验证请求；接收所述支付服务器返回的支付账户验证响应消息后，根据所述支付账户验证响应消息携带的眼纹特征标识从本地提取出对应的合法用户的眼纹特征模板；将该提取出的合法用户的眼纹特征模板与所述当前用户的眼纹特征模板进行对比，如一致，则向所述支付服务器发送支付请求。
  8. 如权利要求6所述的终端，其中：还包括存储模块和注册模块，
    所述采集模块，还设置为采集合法用户的眼纹特征图片或视频，提取出所述合法用户的眼纹特征模板，并根据所述合法用户的眼纹特征模板生成对应的眼纹特征标识；
    所述存储模块，设置为保存所述合法用户的眼纹特征模板及其对应的眼纹特征标识；
    所述注册模块，设置为启动支付应用后，将支付账号与所述眼纹特征标识进行关联，向所述支付服务器发送注册请求，携带所述支付账户与所述眼纹特征标识的关联信息。
  9. 如权利要求6-8任一项所述的终端，其中：
    所述存储模块，将所述合法用户的眼纹特征模板及其对应的眼纹特征标识保存在可信执行环境TEE或者SE里。
  10. 如权利要求9所述的终端，其中：还包括，
    注销模块，接收到取消眼纹支付的指令后，读取所述支付账号对应的眼纹特征标识和眼纹特征模板；将从采集当前用户采集当前用户的眼纹特征图片或视频中提取出的当前用户的眼纹特征模板，与所述支付账号对应的眼纹特征模板进行对比，如对比一致，则向所述支付服务器申请眼纹支付注销请求。
  11. 一种支付方法，应用于支付服务器，包括：
    接收到注册请求消息后，提取出所述注册请求携带的支付账号与对应眼纹特征标识的关联信息进行存储；
    接收到支付账户验证请求消息后，根据所述支付账户验证请求消息携带的支付账号获取到对应的眼纹特征标识，在支付账户验证响应消息中携带该眼纹特征标识；
    接收到支付请求后，进行支付业务处理。
  12. 如权利要求11所述的方法，其中：还包括：
    接收到眼纹支付注销请求消息后，删除指定支付账号对应的眼纹特征标识。
  13. 一种支付服务器，包括：
    存储模块，设置为接收到注册请求消息后，提取出所述注册请求携带的支付账号与对应眼纹特征标识的关联信息进行存储；
    验证模块，设置为接收到支付账户验证请求消息后，根据所述支付账户验证请求消息携带的支付账号获取到对应的眼纹特征标识，在支付账户验证响应消息中携带该眼纹特征标识；
    支付模块，设置为接收到支付请求后，进行支付业务处理。
  14. 如权利要求13所述的支付服务器，其中：还包括：
    注销模块，设置为接收到眼纹支付注销请求消息后，删除指定支付账号对应的眼纹特征标识。
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